Cheapest Volkswagen Routan Insurance in Durham

It’s an obvious statement that auto insurance companies don’t want you to look at other companies. Insureds who shop around for cheaper rates will, in all likelihood, switch insurance companies because of the good chance of finding good coverage at a lower price. A recent survey found that consumers who did price comparisons regularly saved $850 each year compared to policyholders who didn’t regularly shop around.

If finding budget-friendly insurance is your ultimate objective, understanding how to quote prices and compare cheaper coverage can help make the process easier and more efficient.

Discount Volkswagen Routan insuranceIf you want to save money, the best way to quote cheaper Volkswagen Routan insurance in Durham is to compare prices at least once a year from providers who sell insurance in North Carolina. You can shop around by following these steps.

A crucial key to this process is to try to compare the same coverage limits and deductibles on every quote request and and to get quotes from all possible companies. This provides a level playing field and the best price selection.

Components of Your Volkswagen Routan Insurance Rates

It’s important that you understand the different types of things that help determine your insurance rates. When consumers understand what impacts premium levels, this allows you to make good choices that will entitle you to lower insurance prices.

Pay more for higher performance vehicles – The performance of the car, truck or SUV you are insuring makes a huge difference in your rates. Lower cost passenger models receive the most favorable rates, but your final cost has many other factors.

The next chart uses these assumptions: married male driver age 20, full coverage with $250 deductibles, and no discounts or violations. It shows Volkswagen Routan car insurance rates compared to other vehicles that have different risk factors.

Improve your credit rating – Having a bad credit score can be an important factor in calculating your insurance rates. If your credit can be improved, you may save money insuring your Volkswagen Routan by taking the time to improve your credit score. People with very high credit ratings tend to be more responsible than those with bad credit.

Avoid tickets and save – Attentive drivers tend to pay less for car insurance as compared to those with violations. Even a single speeding ticket or other violation can increase rates by twenty percent. Drivers unfortunate enough to have careless violations such as reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive.

The illustration below shows how traffic citations and at-fault claims influence Volkswagen Routan insurance premiums for each age group. The premiums are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

Your vocation is a factor – Do you work in a high-stress field? Occupations such as fire fighters, police officers, and financial analysts tend to pay the highest average rates due to stressful work requirements and incredibly demanding work hours. Conversely, careers such as actors, athletes and retirees get better rates.

Never let your insurance policy lapse – Allowing your coverage to lapse is a quick way to increase your renewal premiums. And not only will your rates increase, failure to provide proof of insurance might get you fines and jail time.

Filing policy claims can increase rates – Insurance companies in North Carolina give most affordable rates to policyholders who file claims infrequently. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.

Prevent theft and lower premiums – Owning a car with a theft deterrent system can save you some money. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft and help lower rates.

Marriage can save you money – Having a spouse may cut your premiums on your policy. Having a significant other means you’re more mature and responsible and it’s proven that married drivers tend to file fewer claims.

To find the cheapest Volkswagen Routan rate quotes, there are several ways to compare quotes from lots of North Carolina insurance companies. The fastest way to find the cheapest Volkswagen Routan insurance rates is to get quotes online.

Comparing free price quotes online is easy and it, makes it a waste of time to make phone calls or go to insurance agencies in your area. The ability to quote Volkswagen Routan insurance online reduces the need to sit down with an agent unless you have a need for the advice and guidance of a local agency. Drivers can obtain prices from the web but have your policy serviced through an agent. Just keep in mind that quoting more provides better odds of finding a lower rate.

The following companies offer price quotes in North Carolina. If you want to find cheaper auto insurance in Durham, it’s a good idea that you click on several of them to get a more complete price comparison.

Volkswagen Routan insurance coverage information

The premium table shown below covers a range of insurance prices for Volkswagen Routan models. Having a good grasp of how insurance policy premiums are figured can help drivers make decisions on the best policy coverages.

Volkswagen Routan Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $194 $292 $218 $12 $66 $782 $65
Routan SE 2WD $220 $356 $218 $12 $66 $872 $73
Routan SEL 2WD $220 $420 $218 $12 $66 $936 $78
Routan SEL Premium 6 Cyl 2WD $246 $420 $218 $12 $66 $962 $80
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in vehicle garaging location which can revise coverage prices significantly.

Raise deductibles and save

When shopping for insurance, a common question is which comprehensive and collision deductibles to buy. The following tables can help illustrate the differences in premium rates when you select higher and lower physical damage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Volkswagen Routan insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $214 $318 $212 $12 $64 $845 $70
Routan SE 2WD $242 $386 $212 $12 $64 $941 $78
Routan SEL 2WD $242 $456 $212 $12 $64 $1,011 $84
Routan SEL Premium 6 Cyl 2WD $270 $456 $212 $12 $64 $1,039 $87
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Volkswagen Routan insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Routan S 2WD $118 $168 $212 $12 $64 $574 $48
Routan SE 2WD $134 $204 $212 $12 $64 $626 $52
Routan SEL 2WD $134 $240 $212 $12 $64 $662 $55
Routan SEL Premium 6 Cyl 2WD $150 $240 $212 $12 $64 $678 $57
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in garaging location in Durham which can lower or raise coverage rates noticeably.

Based on the data above, we can derive that using a $100 deductible costs an average of $27 more each month or $324 every year averaged for all Routan models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 33 months between claim filings, you would probably save some money by selecting a higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $80
Average monthly premium for $1,000 deductibles (subtract): – $53
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

An important sidenote is that a higher deductible level means you will have to cover more of the damage yourself when you have a physical damage claim. You will want to have enough money put aside in the event you need to pay more to get your vehicle repaired.

The illustration below demonstrates how choosing different deductibles and can affect Volkswagen Routan insurance rates for different age categories. Data assumes a single male driver, full coverage, and no discounts are factored in.

Volkswagen Routan insurance rates by gender in Durham

The example below shows the comparison of Volkswagen Routan annual premium costs for male and female drivers. The data assumes no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, single status, and no discounts are taken into consideration.

Auto insurance does more than just repair your car

Despite the fact that auto insurance is not cheap in Durham, auto insurance is required in North Carolina but also provides important benefits.

First, most states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability in order to drive the car. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your car has a loan, it’s guaranteed your bank will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank will be required to insure your Volkswagen at a much higher premium rate and force you to reimburse them the higher price.

Third, auto insurance protects both your car and your assets. It will also reimburse you for medical expenses incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance are without a doubt worth the cost, especially for larger claims. But the average American driver overpays more than $850 per year so compare rate quotes each time the policy renews to be sure current rates are still competitive.

Affordable Volkswagen Routan insurance in Durham

Companies offering auto insurance don’t always list the entire discount list very well, so the next list breaks down a few of the more common as well as the least known ways to save on insurance.Cheaper insurance with discounts

Just know that some credits don’t apply to the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, you aren’t that lucky. But all discounts should help lower your premiums.

The illustration below illustrates the difference between Volkswagen Routan annual premium costs with and without discounts. The rate quotes are based on a male driver, no claims, a clean driving record, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, multi-policy, homeowner, and safe-driver discounts applied.

Insurance companies that may have most of the discounts above may include but are not limited to:

Check with each insurance company to apply every possible discount. A few discounts may not be offered everywhere. For a list of insurance companies that can offer you the previously mentioned discounts in Durham, click here.

You may want advice from an insurance agency

Many drivers would prefer to talk to a local agent. The best thing about comparing auto insurance online is that you can find lower premium rates and also buy local.

Find insurance agent in DurhamUpon completion of this quick form, the coverage information is sent to participating agents in Durham who will gladly provide quotes to get your business. You won’t need to do any legwork because quoted prices will be sent to the email address you provide. You’ll get the best rates and a licensed agent to talk to. If you need to get a rate quote from one company in particular, you can always search and find their rate quote page and fill out the quote form the provide.

Finding the right company needs to be determined by more than just the premium amount. These are some valid questions you should ask.

If you would like to find a local Durham insurance agency, it can be helpful to understand the different types of agents and how they differ in how they quote coverages. Auto insurance agents may be either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Exclusive agencies can only provide one company’s prices and some examples include Farmers Insurance or State Farm. They are unable to place coverage with different providers so always compare other rates. They receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates.

Below are exclusive insurance agents in Durham that can give you price quotes.

4810 Hope Valley Rd #116Durham, NC 27707(919) 489-6008View Map

3823 Guess RdDurham, NC 27705(919) 477-7300View Map

3622 Shannon Rd #102Durham, NC 27707(919) 401-6147View Map

View more Durham agents

Independent Insurance Agents

Independent agencies can sell policies from many different companies and that allows them to write policies through many different auto insurance companies and find you cheaper rates. If your agent finds better pricing, your agent can just switch to a different company and you don’t have to switch agencies.

If you need cheaper auto insurance rates, we recommend you contact independent agents to have the most options to choose from.

The following is a short list of independent agencies in Durham who can help you get price quotes.

1210 Cole Mill Rd Suite 101Durham, NC 27705(919) 294-6613View Map

Superior Insurance of Durham
3825 S Roxboro St #118Durham, NC 27713(919) 224-8034View Map

1431 Broad StDurham, NC 27705(919) 286-9500View Map

View more Durham agents

Will just any policy work for me?

When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.Drive safe and save

These are some specific questions may help you determine whether your personal situation might need professional guidance.

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

One last thing to lower rates

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your aim should be to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

We’ve covered a lot of techniques to save on Volkswagen Routan insurance in Durham. The most important thing to understand is the more you quote Durham car insurance, the higher the chance of saving money. Drivers may even discover the biggest savings come from an unexpected company.

Drivers change insurance companies for many reasons like high prices, high rates after DUI convictions, extreme rates for teen drivers or even unfair underwriting practices. It doesn’t matter what your reason, finding the right insurance provider can be easy and end up saving you some money.

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